The redemption period during which property may be redeemed from a foreclosure sale under this chapter ends:
§ 729.030.End of Redemption Period
Title 10. Actions In Particular Cases · Chapter 1. Actions for the Foreclosure of Mortgages · Enacted 1982 · no amendments on record · Last verified July 28, 2026
In one sentenceSection 729.030 sets the redemption period at three months after the sale when the proceeds fully satisfy the secured debt with interest and costs, or one year after the sale when the proceeds fall short.
Full Text of § 729.030
(a) Three months after the date of sale if the proceeds of the sale are sufficient to satisfy the secured indebtedness with interest and costs of action and of sale.
(b) One year after the date of sale if the proceeds of the sale are not sufficient to satisfy the secured indebtedness with interest and costs of action and of sale.
Plain-English Summary
How long a judgment debtor has to redeem foreclosed property turns on a single fact: whether the sale brought in enough money to cover what was owed. Section 729.030 sets a three-month redemption period when the sale proceeds are sufficient to satisfy the secured indebtedness, interest, and the costs of the action and sale.
When the proceeds fall short — leaving room for a deficiency judgment under § 726(b) — the redemption period stretches to a full year. The longer window gives the debtor more time in the cases where the debtor is more likely to still owe money after the sale.
Frequently Asked Questions
How long does a judgment debtor have to redeem foreclosed property?
Three months after the sale if the proceeds fully satisfy the secured debt with interest and costs, or one year after the sale if they don't.
Why does the redemption period depend on whether the sale proceeds were sufficient?
Because an insufficient sale price signals a possible deficiency judgment under § 726(b), and the longer one-year period gives the debtor more time to redeem in that situation.
Amendment History
Added by Stats. 1982, Ch. 497, Sec. 50. Operative July 1, 1983, by Sec. 185 of Ch. 497.
Source & verification. Section text is reproduced verbatim from
the Deering's California Codes Annotated / vLex. Enacted by the California Legislature.
Last verified July 28, 2026.
· Official source
Also known as: redemption period california foreclosurehow long to redeem foreclosed property